<?xml version="1.0" encoding="UTF-8"?>
<schema targetNamespace="http://info.edinet-fsa.go.jp/jp/fr/gaap/X99001-000/asr/2008-03-31/01/2008-06-27" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:jpfr-asr-X99001-000="http://info.edinet-fsa.go.jp/jp/fr/gaap/X99001-000/asr/2008-03-31/01/2008-06-27" xmlns:jpfr-t-cte="http://info.edinet-fsa.go.jp/jp/fr/gaap/t/cte/2008-02-01" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:jpfr-t-lea="http://info.edinet-fsa.go.jp/jp/fr/gaap/t/lea/2008-02-01" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:jpfr-oe="http://info.edinet-fsa.go.jp/jp/fr/gaap/o/oe/2008-02-01" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:jpfr-rt="http://info.edinet-fsa.go.jp/jp/fr/gaap/o/rt/2008-02-01" xmlns:xlink="http://www.w3.org/1999/xlink">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-presentation-1-BS-01-CA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-presentation-1-BS-03-PPE-Dep-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-presentation-1-BS-08-IOA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-presentation-2-PL-04-SGA-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-presentation-3-CF-03-Method-Indirect.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-presentation-3-CF-04-Method-Indirect-IntrestDividend-1-OpeFin.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="jpfr-asr-X99001-000-2008-03-31-01-2008-06-27-presentation.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-presentation-1-BS-01-CA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-presentation-1-BS-03-PPE-Dep-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-presentation-1-BS-08-IOA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-presentation-2-PL-01-Sales-1-Net.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-presentation-2-PL-04-SGA-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-calculation-1-BS-01-CA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-calculation-1-BS-03-PPE-Dep-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-calculation-1-BS-08-IOA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-calculation-2-PL-04-SGA-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-calculation-3-CF-03-Method-Indirect.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01-calculation-3-CF-04-Method-Indirect-IntrestDividend-1-OpeFin.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="jpfr-asr-X99001-000-2008-03-31-01-2008-06-27-calculation.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-calculation-1-BS-01-CA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-calculation-1-BS-03-PPE-Dep-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-calculation-1-BS-08-IOA-Doubtful-2-ByGroup.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-calculation-2-PL-01-Sales-1-Net.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01-calculation-2-PL-04-SGA-1-ByAccount.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="jpfr-asr-X99001-000-2008-03-31-01-2008-06-27-definition.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="jpfr-asr-X99001-000-2008-03-31-01-2008-06-27-label.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="jpfr-asr-X99001-000-2008-03-31-01-2008-06-27-label-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
    </appinfo>
  </annotation>
  <import namespace="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01" schemaLocation="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/ac/2008-02-01/jpfr-cai-ac-2008-02-01.xsd"/>
  <import namespace="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01" schemaLocation="http://info.edinet-fsa.go.jp/jp/fr/gaap/r/cai/an/2008-02-01/jpfr-cai-an-2008-02-01.xsd"/>
  <import namespace="http://info.edinet-fsa.go.jp/jp/fr/gaap/o/di/2008-02-01" schemaLocation="http://info.edinet-fsa.go.jp/jp/fr/gaap/o/di/2008-02-01/jpfr-di-2008-02-01.xsd"/>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://info.edinet-fsa.go.jp/jp/fr/gaap/t/lea/2008-02-01" schemaLocation="http://info.edinet-fsa.go.jp/jp/fr/gaap/t/lea/2008-02-01/jpfr-t-lea-2008-02-01.xsd"/>
  <element name="ReserveForA" id="jpfr-asr-X99001-000_ReserveForA" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <element name="ReserveForB" id="jpfr-asr-X99001-000_ReserveForB" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
  <element name="ReserveForBSSAbstract" id="jpfr-asr-X99001-000_ReserveForBSSAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="ChangesOfItemsDuringThePeriodReserveForBAbstract" id="jpfr-asr-X99001-000_ChangesOfItemsDuringThePeriodReserveForBAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
  <element name="TotalChangesOfItemsDuringThePeriodReserveForB" id="jpfr-asr-X99001-000_TotalChangesOfItemsDuringThePeriodReserveForB" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="ProvisionOfReserveForBReserveForB" id="jpfr-asr-X99001-000_ProvisionOfReserveForBReserveForB" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="ReversalOfReserveForBReserveForB" id="jpfr-asr-X99001-000_ReversalOfReserveForBReserveForB" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="ProvisionOfReserveForBREBF" id="jpfr-asr-X99001-000_ProvisionOfReserveForBREBF" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="ReversalOfReserveForBREBF" id="jpfr-asr-X99001-000_ReversalOfReserveForBREBF" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="ProvisionOfReserveForBRE" id="jpfr-asr-X99001-000_ProvisionOfReserveForBRE" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="ReversalOfReserveForBRE" id="jpfr-asr-X99001-000_ReversalOfReserveForBRE" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="LossOnCEL" id="jpfr-asr-X99001-000_LossOnCEL" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
  <element name="LossOnCOpeCF" id="jpfr-asr-X99001-000_LossOnCOpeCF" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
  <element name="PaymentForLossOnCOpeCF" id="jpfr-asr-X99001-000_PaymentForLossOnCOpeCF" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
</schema>
